It can be applied, but conditions must be met.

1. If the credit card is overdue and the loan is not repaid for two consecutive months, and the overdue amount is not large, and then it is repaid soon, the bank's background will check the card repayment status, and the bank will A judgment. After the review, the mortgage loan should still be approved.

2. The following situations affect bad credit reporting of loans

1. Credit card payments are overdue three times in a row (or a total of six times within two years).

2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

4. If the loan interest rate increases, the "monthly payment" will still be paid at the original amount, resulting in overdue interest.

5. If the "Sleep Credit Card" is not used after activation, annual fees will be incurred. Failure to pay will result in a negative credit record.

6. Credit card overdrafts and mortgage loans are not paid back on time.

7. When providing guarantee to a third party, the third party failed to repay the loan on time.

8. Cashing out of personal credit cards.

9. Student loan arrears and non-repayment.

10. Mobile phone deductions are linked to bank card deductions. Relevant procedures were not completed after the mobile phone was deactivated, resulting in overdue payment due to monthly rent arrears.

11. If someone else uses your ID card or a copy of your ID card to create a credit card arrears record.

Extended information:

Effective credit information includes four parts:

1. User’s basic information, name, place of birth, occupation, income, education and residential address, etc.;

2. Financial and lending information, including student loans, car loans, mortgages and credit card repayment records, etc.;

3. Consumption information, including shopping malls and the Internet What is the consumption information, frequency and level;

4. Social publicity information, whether there is a court judgment, whether there is tax evasion, whether there is a record of bus and subway fare evasion, etc.

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